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Viewing 10 posts - 1 through 10 (of 10 total)
  • Profile photo of PGBPGB
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    @pgb
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    March 24, 2010 - 6:28 am

    dannyde
    i was peeved with rams, so it was a refinance. i am now proceeding with the new purchase
    pgb

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    March 24, 2010 - 5:25 am

    dannyde
    Yes it is loc doc. I provided no financial informatiom.
    pgb

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    March 24, 2010 - 4:36 am

    dannyde
    ANZ came to the party with no applic fee, no deferred applic fee, no valuation fees, early repayment at around $640, (no intererst costs) even if I refinance next month, 5.89%
    regards
    pgb

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    March 23, 2010 - 11:44 pm

    Hi wellness guy & dannyde
    I have had around 15 property valuations in the past year. They will not look at the roof, so I would not bother. the most important factor for a valuer is the recent sales results, so I would have those ready for him as well a list of similar properties in the area with their asking prices, although that will not have as much influence.
    Almost have of my valuations were from RAMS, but I did not have a problem, they contract local valuers and I thought the results were fair.
    Danny, your comment about rams still doing low doc. I have been with a broker for 8years and had a majority of my properties with Rams, but last December I was about to buy another property but the broker said that rams will do a low doc but want tax returns or full proof of income. I have now switched to ANZ and have a cheaper rate.
    regards
    pgb

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    March 17, 2010 - 5:53 am

    Terry
    I was aware that if the entity was created after the contract date that I would have a problem, but it was the stamp duty double up that I was trying to avoid. I will ask my solicitor
    thanks
    pgb

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    March 17, 2010 - 5:38 am

    Nathan
    Thanks for that info, sounds very useful, I will meet with my solicitor to discuss
    regards
    pgb

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    March 16, 2010 - 11:48 pm

    Supersapper42
    I live in cairns and would be interested in a get together.

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    March 13, 2010 - 5:16 am

    Sorry for the delay in response. I was away form the computer looking at properties. I take your advice on old companies, I have a little experience and I know that the company has never traded and have replaced the Mem & Articles with a new Constitution at a total cost of $180.00. The advice you gave was wise, I delayed signing and found a better property today :-)

    regards
    pgb

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    March 12, 2010 - 2:58 am

    Richard
    It was an old trading company I had and have to amend constitution to become a trustee company. I will wait.

    thanks again
    pgb

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    March 12, 2010 - 1:02 am

    Richard
    Thanks for that, the trust is ready but I am using a company as trustee and that is the slow down. I will just have hold off on signing a contract.
    Cheers
    pgb

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